Electronic money transaction system with a radio transmitter and receiver using a portable telephone

ABSTRACT

A terminal 2 held by the user with a radio transmitter and receiver 3. Electronic money information is transferred via the radio transmitter and received. By using a portable telephone, it is unnecessary to directly insert an IC card 1 into service supply equipment 17. In addition to the service supply equipment 17, a device 9 for storing electronic money information in a lump is provided. Since the electronic money information is transferred into the device 9 for storing the electronic money information in a lump, it is unnecessary to collect the electronic money information stored in terminals one by one.

BACKGROUND OF THE INVENTION

The present invention relates to an electronic money transaction systemfor performing transactions by electrically transmitting and receivingelectronic money information stored in an IC card in place of money, andmore particularly, to an electronic money transaction system fortransmitting and receiving the electronic money information byelectromagnetic waves through space.

Hitherto, in a transaction system using electronic money forelectrically transmitting and receiving electronic money information,for example, as disclosed in Japanese Patent Application Laid-Open No.3-92966, an individual as a payer (user) carrying an IC card (electronicwallet) in which electronic money information is stored visits a shopand transmits and receives the electronic money information by using aPOS (Point Of Sales) terminal or the like installed at the shop. Thatis, when an individual wants to receive any service, the individual hasto always insert the IC card into the POS terminal or the like totransfer the electronic money information.

As disclosed in the foregoing JP-A-3-92966 for example, the electronicmoney information is once stored in a terminal installed at a shop, andlater, transmitted to an apparatus in a bank center via a communicationchannel. Consequently, it is necessary to connect communication channelsto all of terminals installed at shops.

SUMMARY OF THE INVENTION

As mentioned above, in the conventional technique, it is necessary toinsert the IC card into an insertion port of the terminal such as a POSterminal in order to transfer the electronic money information. It is,therefore, always necessary for the user to directly touch the terminal.For example, even the user inside a car wants to receive service, theinsertion of the IC card into the terminal is still required.

It is, therefore, an object of the invention to enable transactions ofthe electronic money information to be performed at a place away fromthe terminal.

In the conventional technique, it is necessary to provide acommunication channel to every terminal in order to send the electronicmoney information once stored in the terminal to be collected later on,at an apparatus in a bank center or the like.

It is, therefore, another object of the invention to collect theelectronic money information without providing the communication channelto every terminal.

Means of Solving the Problems

According to a fundamental feature of the invention, in order to achievethe objects, there is provided an electronic money terminal to becarried by the payer, which is constructed as a portable telephoneterminal comprising, an electronic money information medium interfacehaving functions of reading and writing information from/to anelectronic money information medium, and a radio transmitter andreceiver for radio telephone, wherein each time service is given byusing service supply equipment, the service supply equipment and thepayer to receive the service are discriminated and specified, and theelectronic money information is transferred via the radio transmitterand receiver of the payer. As mentioned above, according to theinvention, the electronic money information is transmitted and receivedbetween the payer's terminal and the service provider via the radiotransmitter and receiver. It is the point of the present invention howto accurately specify a one-to-one correspondence of the electronicmoney medium of the payer and service supply equipment.

As a radio transmitter and receiver for the radio telephone, that of atype limited to a relatively small area such as a PHS (PersonalHandy-Phone System) is advantageous. By providing such radio telephoneequipment near the service supply equipment, when the payer operates theportable telephone terminal to make an electronic money transaction, adisplay of the service supply equipment can be used as a part of aninteractive means of a man-machine interface.

Upon transaction of the electronic money, not only the electronic moneyinformation but also particular number information of each portabletelephone terminal is transmitted from the portable telephone terminal,thereby reducing burden on the payer in an interactive process with theman-machine interface.

Preferably, the electronic money information medium is an IC card.

According to the fundamental feature of the invention, the payer can paya proper consideration without directly inserting the IC card into theservice supply equipment and can receive corresponding service, and theelectronic money transaction by radio can be realized.

According to another feature of the invention, in addition to thefundamental feature, there is provided a device for storing electronicmoney information in a lump in addition to the service supply equipment.

Consequently, the electronic money information can be directlytransferred from the IC card to the storing device. It is thereforeunnecessary to collect the electronic money information stored interminals one by one. Further, by generating a signal specifying thatthe payer is the party to receive the service, the electronic moneyinformation from a plurality of terminals can be classified and stored,so that only one device for storing the electronic money information ina lump is necessary for the plurality of terminals. Consequently, thereis no need to provide a communication channel to every terminal.

According to still another feature of the invention, there is provided afunction of transmitting and receiving the electronic money informationvia space to/from the IC card of the payer.

According to the feature, it is also unnecessary to directly insert theIC card to the service supply equipment. Further, the IC card built inthe terminal can generate the electronic money information only to aspecific IC card, thereby enabling the electronic money information tobe collected by transferring it between the terminals when the usercarries the specific IC card. It is therefore unnecessary to provide acommunication channel for collecting the electronic money information.

Features of the invention will be further described hereinbelow.

According to the invention, there is provided an electronic moneytransaction system comprising: an IC card storing electronic moneyinformation; a terminal for reading and writing the information of theIC card; a communicating means for transmitting and receiving electronicinformation from the terminal to/from the other; an electronic moneystoring means which can store at least electronic money in theelectronic information transmitted and received via the communicatingmeans; and service supply equipment operated by a signal sent from theelectronic money storing means, wherein the communicating meansconnected to the terminal is used as a portable telephone terminal fortransmitting and receiving electronic information to/from the outside byusing electromagnetic waves and transactions of the electronic money areperformed via the electromagnetic waves from the portable telephoneterminal.

According to the invention, there is provided the electronic moneytransaction system wherein the electronic money storing means and theservice supply equipment are separately provided, at least a signalinstructing service supply is sent from the electronic money storingmeans to the service supply equipment and the service is supplied inaccordance with the signal.

According to the invention, there is provided the electronic moneytransaction system wherein an operator of the terminal performs anoperation at least once to show desire of receiving the service from theservice supply equipment before completion of the transaction of theelectronic money.

According to the invention, there is provided the electronic moneytransaction system wherein a display is provided and a display by whichthe operator performs the operation to show the desire of receiving theservice is executed.

According to the invention, there is provided the electronic moneytransaction system wherein the display is provided at a position so thatthe operator to receive the service of the service supply equipment caneasily discriminate the contents.

According to the invention, there is provided the electronic moneytransaction system wherein the terminal has an input means of acharacter string, a number, or a code, the character string, number, orcode is displayed on the display, and the operator inputs the displayedcharacter string, number, or code from the input means, therebyperforming the operation to show the desire of receiving the service.

According to the invention, there is provided the electronic moneytransaction system wherein after the operator performs the operation toshow the desire of receiving the service, the electronic money storingmeans receives electronic information indicative of the operation viathe communicating means, and the electronic money storing meansgenerates a confirmation signal indicative of receipt of the electronicinformation indicative of the operation.

According to the invention, there is provided the electronic moneytransaction system further comprising a confirmation signal displaymeans for displaying the confirmation signal showing the receipt of theelectronic information indicative of the operation.

According to the invention, there is provided the electronic moneytransaction system wherein the confirmation signal display means isprovided at a position so that the operator to receive the service bythe service supply equipment can easily discriminate the contents.

According to the invention, there is provided an electronic moneytransaction system comprising: a first IC card storing electronic moneyinformation; a transmitter and receiver that is connected to the firstIC card and transmits and receives the electronic money information viaspace; a second transmitter and receiver for transmitting and receivingthe electronic money information via the transmitter and receiver; aterminal for controlling transfer of the electronic money informationvia the second transmitter and receiver; a connecting unit for passingthe electronic money information from the terminal; and a second IC cardwhich can record the electronic money information passed through theconnecting unit, wherein the first IC card has a memory for storingelectronic information indicative of the IC card, the electronicinformation in the memory can be transferred to the terminal via thetransmitter and receiver and the second transmitter and receiver, theterminal has a passing means for transmitting the electronic informationof the first IC card which passed the transmitter and receiver to thesecond IC card via the second transmitter and receiver and electronicinformation which is recorded in the second IC card to specify anotherIC card is compared with the electronic information sent from the firstIC card, and when the electronic information sent from the first IC cardand the electronic information recorded in the second IC card satisfiesa certain condition, the electronic money information is transferredfrom the second IC card to the first IC card.

According to the invention, there is provided the electronic moneytransaction system wherein the electronic money information can betransferred from the first IC card to the second IC card irrespective ofthe result of the comparison of the electronic information sent from thefirst IC card with the electronic information recorded in the second ICcard.

According to the invention, there is provided the electronic moneytransaction system wherein the electronic information sent from thefirst IC card is compared with the electronic information recorded inthe second IC card by an information processing unit in an IC card forcontrolling the second IC card.

According to the invention, there is provided the electronic moneytransaction system wherein the portable telephone terminal hasparticular information, the particular information is sent from theportable telephone terminal, and the service supply equipment managessupply of service on the basis of the transmitted particularinformation.

According to the invention, there is provided the electronic moneytransaction system wherein the portable telephone terminal hasparticular information, the particular information is sent from theportable telephone terminal, the service supply equipment is providedwith means for generating time information, there is provided timestoring means for storing the particular information sent and the timeinformation as an output from the time information generating means, andthe service supply equipment records the information into the timestoring means, thereby managing the service supply.

According to the invention, there is provided an electronic moneytransaction system comprising: a first IC card in which electronic moneyinformation is stored; a transmitter and receiver that is connected tothe first IC card and transmits and receives the electronic moneyinformation via space; a second transmitter and receiver fortransmitting and receiving the electronic money information via thetransmitter and receiver; a terminal for controlling transfer of theelectronic money information sent via the second transmitter andreceiver; a connecting unit for passing the electronic money informationfrom the terminal; and a second IC card which can record the electronicmoney information passed through the connecting unit, wherein the firstIC card has a memory of electronic information indicative of the ICcard, the electronic information in the memory can be transferred to theterminal via the transmitter and receiver and the second transmitter andreceiver, the electronic information in the memory is a code whichcannot be easily formed ordinarily, the terminal has a decoding andpassing means for decoding the encoded electronic information of thefirst IC card passed through the transmitter and receiver andtransmitting the decoded electronic information of the first IC card tothe second IC card via the second transmitter and receiver, electronicinformation which is recorded in the second IC card to specify anotherIC card is compared with the electronic information sent from the firstIC card, and when the electronic information sent from the first IC cardand the electronic information recorded in the second IC card satisfiesa certain condition, the electronic money information is transferredfrom the second IC card to the first IC card.

As mentioned above, according to the invention, the terminal carried bythe user is provided with the radio transmitter and receiver to transferthe electronic money information via the radio transmitter and receiver,so that it is unnecessary to directly insert the IC card into theservice supply equipment. By providing not only the service supplyequipment but also the device for storing the electronic moneyinformation in a lump, the electronic money information is directlytransferred to the storing device. It is therefore unnecessary tocollect the electronic money information stored in the terminals one byone.

Further, by generating the signal specifying that the user is the partyto receive the service, the electronic money information from aplurality of terminals can be classified and stored, so that only onedevice for storing the electronic money information in a lump isnecessary for the plurality of terminals. Therefore, it is unnecessaryto provide the communication channel every terminal.

According to the invention, there is provided the function oftransmitting and receiving the electronic money information via spaceto/from the IC card of the user. Consequently, it is unnecessary todirectly insert the IC card to the service supply equipment. Further, byenabling the IC card built in the terminal to generate the electronicmoney information only to a specific IC card, when the specific IC cardis carried, the electronic money information can be transferred betweenthe terminals to collect money. It is, therefore, unnecessary to providea communication channel for collecting the electronic money information.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a system construction diagram showing a construction a firstembodiment;

FIG. 2 is a block diagram of a payer terminal device part in the firstembodiment;

FIG. 3 is a block diagram of an electronic money information store inthe first embodiment;

FIG. 4 is a flowchart showing the operation of the first embodiment;

FIG. 5 is a diagram illustrating a display example of a characterdisplay in the first embodiment;

FIG. 6 is a construction diagram showing a parking lot tollgate systemto which the first embodiment is applied;

FIG. 7 is a construction diagram showing a parking lot tollgate systemaccording to a second embodiment;

FIG. 8 is a diagram showing a format of a radio telephone equipmentspecifying signal in the second embodiment;

FIG. 9 is a construction diagram showing a parking lot tollgate systemto which a third embodiment is applied;

FIG. 10 is a diagram showing a construction of the payer terminal partin the third embodiment;

FIG. 11 is a diagram showing a construction of the electronic moneyinformation store in the third embodiment;

FIG. 12 is a flowchart showing the operation of the third embodiment;

FIG. 13 is a diagram showing a whole construction of the payer terminalpart in a fourth embodiment;

FIG. 14 is a diagram showing a part of the construction of the payerterminal part in the fourth embodiment; and

FIG. 15 is a diagram showing a part of the construction of the payerterminal part in the fourth embodiment.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

A first embodiment of the invention will be described with reference toFIGS. 1 to 6.

FIG. 1 is a system construction diagram of the first embodiment of theelectronic money transaction system according to the invention. Broadlyspeaking, the system has a payer terminal device part A, an electronicmoney storing means part B, and a service supplying equipment part C.

In the payer terminal device part A, reference numeral 1 denotes an ICcard having therein electronic money information; 2 a terminal havingfunctions of controlling the IC card 1 and transferring the electronicmoney information; 3 a portable telephone terminal that is connected tothe terminal 2 and receives and transmits the electronic moneyinformation as a radio signal; and 4 an antenna attached to the portabletelephone terminal 3. The payer terminal device part A is connected tothe electronic money storing means part B by electromagnetic waves 5transmitted and received via the antenna 4.

In the electronic money storing means part B and the service supplyingequipment part C, reference numeral 6 denotes an another antenna forreceiving and transmitting the electromagnetic waves 5 from/to theantenna 4; 7 radio telephone equipment connected to the antenna 6; 8 acommunication channel through which signals are transmitted and receivedto/from the radio telephone equipment 7; 9 an electronic moneyinformation store for controlling and processing the signals receivedthrough the communication channel 8 and storing the electronic moneyinformation; 10 a payer discriminating signal as signal information tospecify the payer for the payer of the electronic money; 11 a characterdisplay for displaying the transmitted payer discriminating information,so that the payer can recognize it; 12 a payer discriminated signal forshowing the specified payer of the electronic money; 13 a payerdiscriminated signal display for displaying the transmitted payerdiscriminated signal, so that the payer can recognize it; 14 anelectronic money receipt signal indicating that the electronic moneyinformation store 9 received the electronic money; 15 an electronicmoney receipt confirming means for receiving the electronic moneyreceipt signal; 16 a service supply command signal for instructingsupply of the service, that is generated from the electronic moneyreceipt confirming means 15; and 17 service supply equipment forsupplying service to the payer of the electronic money upon receipt ofthe service supply command signal 16.

In the above construction, the payer discriminating signal 10, payerdiscriminated signal 12, and electronic money receipt signal 14 are sentbetween the electronic money storing means part B and the service supplyequipment part C via a data modulating and demodulating means 19 byusing a communication channel 20. The payer side is also provided with adata modulating and demodulating means 21 (refer to FIG. 6) to reproducethe transmitted payer discriminating signal 10, payer discriminatedsignal 13, and electronic money receipt signal 14.

FIG. 2 is a construction diagram showing an embodiment of the payerterminal device part A, comprising the IC card 1, terminal 2, portabletelephone terminal 3, and antenna 4 in FIG. 1. In FIG. 2, the terminal 2and portable telephone terminal 3 are integrated as a portable telephoneterminal 18. The IC card 1 includes an electronic money informationmemory 30 in which electronic money information is stored and aninformation processing unit 31 for controlling update of the electronicmoney information of the electronic money information memory 30, outputof the balance, and the like. The portable telephone terminal 18 has anIC card reader/writer 32 for receiving and transmitting the electronicinformation from/to the IC card 1. The electronic informationread/written from/to the IC card reader/writer 32 is inputted andoutputted to/from a central processing unit (CPU) 33.

The CPU 33 supplies and receives the electronic information to/from aradio transmitter and receiver 35 via a modem 34, and controls the radiotransmitter and receiver 35 by using a control signal 38. The antenna 4is connected to the radio transmitter and receiver 35 so as to transmitand receive electronic information to/from another radio telephoneequipment 7 via space. Further, a display 39 is connected to the CPU 33,which can display information for the payer. Information can be inputtedby an input unit 55. The input unit 55 has an electronic moneytransaction button 56. When the button 56 is depressed, the CPU 33transmits or receives the electronic money information.

FIG. 3 is a construction diagram showing an embodiment of the electronicmoney information store 9 in FIG. 1. The communication channel 8 isconnected to a channel selector 57. The channel selector 57 transmitsand receives the electronic information via the communication channel 8.An output of the channel selector 57 is connected to a modem 58. Themodem 58 demodulates a modulated signal to digital data and modulatesthe digital data to a signal so as to be transmitted or received via thecommunication channel 8. Reference numeral 59 denotes a centralprocessing unit (CPU) for controlling the electronic money informationstore 9 and controlling communication of the electronic moneyinformation. Reference numeral 72 indicates an electronic moneyinformation memory for storing the electronic money information inputtedand outputted via the CPU 59.

The operation of the first embodiment with the above construction willbe described with reference to FIGS. 4 to 6.

FIG. 4 is a flowchart showing the operation of processes in theelectronic money information store 9. Processes after the payer operatesthe portable telephone terminal 3 and notifies the electronic moneyinformation store 9 of payment of the electronic money via the radiotelephone equipment 7 are shown. First the electronic money informationstore 9 outputs the payer discriminating signal 10 (S11) and allows theoutputted payer discriminating information to be displayed on thecharacter display 11 (S12). The payer then inputs the informationdisplayed in character form at the input unit 55 of the portabletelephone terminal 3 (S13). The information in character form istransmitted to the electronic money information store 9 via the radiotelephone equipment 7. The electronic money information store 9 comparesthe inputted information with the outputted payer discriminatinginformation (S14). When they are coincided, the electronic moneytransaction with the payer is specified. The result is outputted as thepayer discriminated signal 12 (S15) and the signal 12 is displayed onthe payer discriminated signal display 13 (S16). The payer of theelectronic money recognizes the payer discriminated signal display 13and sends electronic money information stored in the IC card 1 via theportable telephone terminal 3 by operating the terminal (S17). Theelectronic money information is sent via the communication channel 8 andstored into the electronic money information store 9. After detectingthat the electronic money information was correctly stored (S18), theelectronic money information store 9 outputs the electronic moneyreceipt signal 14. After receipt of the electronic money receipt signal14, the electronic money receipt confirming means 15 instructs anoperation to provide service to the payer by the service supply commandsignal 16. The service supply equipment 17 provides service to the payeraccording to the service supply command signal 16 (S19).

The operation of the first embodiment will be described in furtherdetail with reference to FIGS. 5 and 6. FIG. 5 shows an example ofdisplay of the character display 11, payer discriminated signal display13, and service supply equipment 17. When the payer operates theportable telephone terminal 3 to notify the electronic money informationstore 9 of payment of the electronic money via the radio telephoneequipment 7, the payer discriminating signal 10 is displayed (D11). Atthis time, instruction of the operation for the payer is also displayed.Subsequently, the payer discriminated signal 12 is displayed (D12).After completion of transfer of the electronic money information,service supply is displayed according to the electronic money receiptconforming signal (D13).

FIG. 6 is a construction diagram showing a case where the firstembodiment is applied to a tollgate system of a parking lot.

In FIG. 6, one display 22 is used and the payer discriminating signal10, payer discriminated signal 12, and electronic money receipt signal14 are displayed on the display 22. A passing gate controlling anddriving means 23 is provided as service supply equipment. By opening thegate, the supply of the service to the payer is completed. The payer canoperate according to the display of, for example, the payerdiscriminating signal 10 shown in FIG. 5 displayed on the display 22.

The effects of the above-mentioned first embodiment are as follows.

According to the embodiment, the payer who pays the electronic moneyinformation to receive the service can perform transactions of theelectronic money while being apart from the service supply equipment. Byusing the payer discriminating information, the transfer of theelectronic money can be recorded every service given to the payer.Consequently, the transactions of the electronic money information for aplurality of services can be processed by a single electronic moneyinformation store. Further, since the electronic money information isnot stored in each service supplying device but is stored in a lump, itis unnecessary to collect money from each of the service supplyingdevices.

A second embodiment of the invention will be described with reference toFIG. 7.

FIG. 7 is a construction diagram showing the second embodiment of theinvention. The construction will be described hereinbelow with referenceto FIG. 7. The same components in the second embodiment as those in thefirst embodiment are designated by the same reference numerals. In thesecond embodiment, a plurality of service supply equipments 24 aredisposed and are controlled by a single electronic money informationstore 9. In this case, a plurality of the radio telephone equipments 7are also installed and transmitting and receiving ranges are notoverlapped. Each service supply equipment 24 lies within thetransmitting and receiving range of each radio telephone equipment 7.Each portable telephone terminal 18 used by the payer receives a signalthat specifies one of the plurality of radio telephone equipments 7 andsends the signal specifying the radio telephone equipment 7 togetherwith electronic money information to the electronic money informationstore 9. The signal is shown in FIG. 8.

FIG. 8 shows the signal sent from the portable telephone terminal 18. InFIG. 8, reference numeral 36 denotes electronic money information and 37indicates an information signal specifying the radio telephone equipmentsent from the radio telephone equipment. By receiving the signal 37specifying the radio telephone equipment 7 together with the electronicmoney information, the electronic money information store 9 canrecognize that the portable telephone terminal 18 of the payer transmitsand receives electromagnetic waves to/from the radio telephone equipment7.

The operation of the second embodiment with the above construction willbe described. In the embodiment, by sending the information by which theradio telephone equipment 7 can be discriminated together with theelectronic money information, the electronic money information store 9can recognize that the information came through which radio telephoneequipment 7. Since the service supply equipment 24 is allocated to theradio telephone equipment 7 in a one-to-one manner, the electronic moneyinformation store 9 can specify that the electronic money information issent to which service supply equipment 24. Therefore, the service supplyequipment is specified without the operation by the payer of inputtingthe information specifying the payer as described in the firstembodiment.

According to the second embodiment, each payer transfers the electronicmoney information directly to a single electronic money informationstore in a manner similar to the first embodiment. However, since it isunnecessary for the payer to input the signal for specifying the payer,the operation is easier than that of the first embodiment.

A third embodiment of the invention will be described with reference toFIG. 9.

FIG. 9 is a construction diagram showing the third embodiment of theinvention. The construction will be described hereinbelow with referenceto FIG. 9. The third embodiment relates to an example of applying theinvention to a parking lot. Reference numeral 60 denotes an antennaprovided at the entrance of the parking lot; 61 another antenna; 70 ICcards each storing electronic money information; 62 portable telephoneterminals of the embodiment, to which the IC cards 70 are connected,respectively; 63 radio telephone equipment for transmitting andreceiving electromagnetic waves to/from the portable telephone terminals62 via the antenna 60 arranged at the entrance of the parking lot; 64 anelectronic money information store for transmitting and receivingelectronic information to/from the radio telephone equipment 63; and 65radio telephone equipment for transmitting and receiving electromagneticwaves to/from the portable telephone terminals 62 via the antenna 61.The electronic money can be stored in the electronic money informationstore 64. Reference numeral 66 denotes service supply equipment which isa gate of the parking lot in the embodiment; 67 a car to receive theservice; 68 cars which are in the parking lot of the embodiment; and 69a car going out from the parking lot of the embodiment.

The construction of the third embodiment will be described morespecifically with reference to FIGS. 10 and 11.

FIG. 10 is a diagram showing the construction of the IC card 70 and theportable telephone terminal 62 shown in FIG. 9. Components similar tothose in the first embodiment are designated by the same referencenumerals. In addition to the construction of the first embodiment, amemory 73 for storing a number particular to the radio telephoneterminal 62 is provided in the third embodiment. A central processingunit 74 has a function of transmitting the information of the particularnumber memory 73 to the outside according to necessity via the modem 34,radio transmitter and receiver 35, and antenna 4. For example, atelephone number is recorded as a particular number.

FIG. 11 is a diagram showing a construction of the electronic moneyinformation store 64 of the third embodiment. Components similar tothose in the first embodiment are designated by the same referencenumerals. In the third embodiment, a clock 76 for generating timeinformation is provided. A particular number and information memory 77is also provided.

The operation of the third embodiment with the constructions shown inFIGS. 9 to 11 will be described. In the embodiment, the payer of the car67 to receive the service has the portable telephone terminal 62 andapproaches the service supply equipment 66. The antenna 60 is providedin a range near the service supply equipment 66 and the portabletelephone terminal 62 automatically sends a signal indicating that theportable telephone terminal 62 enters the range to the radio telephoneequipment 63. The signal includes the particular number stored in theparticular number memory 73 in the portable telephone terminal 62. Theradio telephone equipment 63 which received the signal recognizes thatthe portable telephone terminal 62 having the particular number existsat the entrance of the parking lot. After that, the radio telephoneequipment 63 notifies the electronic money information store 64 of theparticular number. The electronic money information store 64 generates asignal to operate the service supply equipment 66 so that the car 67 canenter the parking lot. After that, in the electronic money informationstore 64, the time when the car 67 entered the parking lot is read fromthe clock 76 and is recorded together with the particular number intothe particular number and information memory 77.

The operation when the car goes out from the parking lot will bedescribed. A processing flow at this time of the CPU 74 in the portabletelephone terminal 62 is shown in FIG. 12. The payer in the car 68 to goout from the parking lot makes a phone call to the electronic moneyinformation store 64 by using the portable telephone terminal 62 (S21).The electronic money information store 64 first receives the particularnumber of the portable telephone terminal 62 which made the phone call.After that, the time when the car entered the parking lot recorded everyparticular number is read, the present time is detected, and a fee ofthe parking lot is calculated. The calculated fee is transmitted to theportable telephone terminal 62 which made the phone call, via the radiotelephone equipment 65 and the antenna 61. The fee transmitted isdisplayed on the portable telephone terminal 62 (S26). After receivingconfirmation of the payer (S27), the electronic money information issent from the connected IC card (S28). In the electronic moneyinformation store 64, after confirming the transmitted electronic moneyinformation, the particular number, information indicative of completionof the payment, and time when the payment is completed are recorded intothe internal memory.

The payer in the car 69 who completed the payment moves to the exit ofthe service supply equipment 66. When the portable telephone terminal 62of the payer in the car 69 who completed the payment enters thetransmission and reception range of the antenna 60, the portabletelephone terminal 62 entered the transmission and reception range ofthe antenna 60 automatically sends the particular number. The radiotelephone equipment 63 transmits the sent particular number to theelectronic money information store 64. The electronic money informationstore 64 compares the received particular number with the recordedparticular number under which the payment was completed. When it isfound from the comparison that the payment has been already made, thepresent time is acquired. The obtained present time is compared with therecorded time when the payment was completed. When the difference isequal to time required for the movement in the parking lot, a signal tooperate the service supply equipment 66 is generated so that the car 69can go out. As a result of the comparison of the time, when furtherpayment is necessary, it is displayed on a display 71.

According to the third embodiment as mentioned above, the particularnumber, for example, telephone number of the portable telephone terminalis used and automatically discriminated for discrimination of theservice supply. It is, therefore, unnecessary for the payer who is toreceive service to operate equipment such as ticket issuing equipmentfor registering entering time. According to the embodiment, theoperation for payment can be also performed at a place away from theservice supply equipment, so that there is an effect that it isunnecessary to perform the operation at a place near the service supplyequipment. Although the particular number is recorded in the portabletelephone terminal in the embodiment, it will be obviously understoodthat a particular number is recorded in the IC card and the servicesupply can be discriminated by using the particular number recorded inthe IC card without problem.

A fourth embodiment of the invention will be described with reference toFIG. 13.

FIG. 13 is a construction diagram showing the fourth embodiment of theinvention. In FIG. 13, reference numeral 25 denotes an IC card in whichthe electronic money information is stored; 26 a card ID memory storinga card ID particular to the IC card 25; 27 a card ID memory storing IDsof other IC cards; 28 an information processing unit for controlling theinformation of the card ID memories 26 and 27 and also controlling thetransmission and reception of the electronic money information therein;44 a terminal for controlling electronic information with the IC card26; 45 an IC card reader/writer connected to the IC card 25, whichtransmits and receives the electronic information; 46 an IC cardnon-contact reader/writer that is provided in the terminal 44 andtransmits and receives information in a non-contact manner; 47 an ICcard as one of the other IC cards; 48 a card ID memory having aparticular ID in the IC card 47; 49 another IC card; and 50 a card IDmemory having a particular ID in the IC card 49.

FIG. 14 is a diagram showing the constructions of the IC card 25 and theterminal 44 in FIG. 13. As an IC card non-contact reader and writer, acode processing unit 79, a modem 80, a radio transmitter and receiver81, and an antenna 82 are provided. The code processing unit 79 encodeselectronic information from the CPU 51 and decodes the encodedelectronic information from the modem 80 to the original electronicinformation. In the modem, the electronic information is changed to aform of a signal which can be transmitted and received to/from theoutside via the radio transmitter and receiver 81. It is obviouslyunderstood that the IC card 25 has therein an electronic moneyinformation store 78 for storing the electronic money information.

FIG. 15 is a diagram showing the construction of a portable telephoneterminal 88 connected to the IC card 49 shown in FIG. 13. Componentssimilar to those in the first embodiment are designated by the samereference numerals. In addition to the construction of the firstembodiment, according to the fourth embodiment, a code processing unit84 has functions of decoding the encoded electronic information, andencoding electronic information and transmitting the encoded informationto the modem 34.

The operation of the fourth embodiment with the above construction willbe described. In the embodiment, an ordinary payer who is going toreceive service makes payment by using the IC card 47. In the IC card25, the particular ID of the ID memory 48 in the IC card 47 insertedthrough the terminal 44 is read out and is checked with the ID of aspecified IC card stored in the card ID memory 47 in the IC card 25.When it is found that the particular ID of the card ID memory 48 in theIC card 47 is different from the ID stored in the card ID memory 27 inthe IC card 25, the IC card 25 functions only to receive the electronicmoney information. When an encoded particular ID is sent to the IC card49 via the IC card non-contact reader and writer 46 in the terminal 44,the terminal 44 decodes the code and sends the transmitted ID to the ICcard 25. Similarily, the IC card 25 checks the ID stored in the internalID memory 27 with the ID recorded in the ID memory 50 in the IC card 49.When the two IDs coincide, the information processing unit 28 permitsthat the electronic money information in the IC card 25 is transferredto the IC card 49. Consequently, the electronic money information storedin the IC card 25 is sent via the modem 80 and radio transmitter andreceiver 81. In the portable telephone terminal 88, the transmittedelectronic money information is received and is transferred from the ICcard reader 32 via the modem 34 to the IC card 49. The IC card 49 storesthe transmitted electronic money information into the electronic moneyinformation memory 87.

According to the fourth embodiment, the payer of the electronic moneywho is to receive the service pays the electronic money by inserting theIC card 47 into the terminal 44 provided in the service supplyequipment. Further, the electronic money information stored in the ICcard 25 in the terminal 44 can be transferred to the IC card 49 in sucha manner that the collector operates the electronic money transactionbutton 56 of the input unit 55 in the portable telephone terminal 88having the IC card 49 to transmit and receive radio waves via space. AnIC card which can receive the electronic money is the IC card 49 only,whose ID coincides with the stored ID. There is an effect that theperson who installed the service supply equipment can collect theelectronic money stored in the service supply equipment from a remoteplace by using the IC card 49 without inserting the IC card into theterminal.

The entire disclosure of Japanese Patent Application No. 8-246498 filedon Sep. 18, 1996 including specification, claims, drawings and summaryare incorporated herein by reference in its entirety.

What is claimed is:
 1. An electronic money transaction systemcomprising;an IC card storing electronic money information; a terminalfor reading and/or writing information of the IC card; a portabletelephone terminal as a first communicating means for transmitting andreceiving electronic information to/from outside by usingelectromagnetic waves for performing transactions of the electronicmoney information in said IC card, having storage means for storingparticular information, and sending means for sending the storedparticular information; a second communicating means for receiving andtransmitting electronic information to/from said first communicatingmeans; an which can store at least electronic money in the electronicinformation transmitted and received via at least one of said first andsecond communicating means; a service supply equipment operated by asignal sent from said electronic money storing means, having means forgenerating time information, and a storage means for storing said timeinformation and said particular information sent from said firstcommunicating means; wherein at least a signal instructing a servicesupply is sent from said electronic storing means to said , and theservice is supplied based upon the signal, said time information andsaid particular information through said service supply equipment. 2.The system according to claim 1, wherein electronic money storing meansand the service supply equipment are seperately provided.
 3. The systemaccording to claim 2, wherein an operator of the terminal performs anoperation at least once to show desire of receiving the service from theservice supply equipment before completion of the transaction of theelectronic money.
 4. The system according to claim 3, wherein a displayis provided and a display by which the operator performs the operationto show the desire of receiving the service is executed.
 5. The systemaccording to claim 3, wherein a display is provided at a position sothat the operator to receive the service of the service supply equipmentand can easily discriminate the contents.
 6. The system according toclaim 5, wherein the terminal has an input means of a character string,a number, or a code, wherein said character, number, or code isdisplayed on the display, and the operator inputs the displayedcharacter string, number, or code from the input means, therebyperforming the operation to show the desire of receiving the service. 7.The system according to claim 4 or 6, wherein after the operatorperforms the operation to show the desire of receiving the service, theelectronic money storing means receives electronic informationindicative of the operation via the first communicating means, and theelectronic money storing means generates a confirmation signalindicative of receipt of the electronic information indicative of theoperation.
 8. The system according to claim 7, further comprising aconfirmation signal display means for displaying the confirmation signalshowing the receipt of the electronic information indicative of theoperation.
 9. The system according to claim 8, wherein the confirmationsignal display means is provided at a position so that the operator toreceive the service by the service supply equipment can easilydiscriminate the contents.
 10. An electronic money transaction systemaccording to claim 1, further comprising:means for specifying a locationof said first communicating means; said service supply equipment furtherhaving means for storing the specified location of said firstcommunicating means in said storage mans, thereby managing the servicesupply with said specified location.
 11. An electronic money transactionsystem comprising:a first IC card storing electronic money information;a transmitter and receiver that is connected to the first IC card andtransmits and receives the electronic money information via space; asecond transmitter and receiver for transmitting and receiving theelectronic money information via the transmitter and receiver; aterminal for controlling transfer of the electronic money informationvia the second transmitter and receiver; a connecting unit for passingthe electronic money information from the terminal; and a second IC cardwhich can record the electronic money information passed through theconnecting unit, wherein the first IC card has a memory for storingelectronic information indicative of the IC card, the electronicinformation in the memory can be transferred to the terminal via thetransmitter and receiver and the second transmitter and receiver, theterminal has a passing means for transmitting the electronic informationof the first IC card which passed the transmitter and receiver to thesecond IC card via the second transmitter and receiver and electronicinformation which is recorded in the second IC card to specify anotherIC card is compared with the electronic information sent from the firstIC card, and when the electronic information sent from the first IC cardand the electronic information recorded in the second IC card satisfiesa certain condition, the electronic money information is transferredfrom the second IC card to the first IC card.
 12. The system accordingto claim 11, wherein the electronic money information can be transferredfrom the first IC card to the second IC card irrespective of the resultof the comparison of the electronic information sent from the first ICcard with the electronic information recorded in the second IC card. 13.The system according to claim 11, wherein the electronic informationsent from the first IC card is compared with the electronic informationrecorded in the second IC card by an information processing unit in anIC card for controlling the second IC card.
 14. The system according toclaim 13, wherein a portable telephone terminal has particularinformation, the particular information is sent from the portabletelephone terminal, and a service supply equipment manages supply ofservice on the basis of the transmitted particular information.
 15. Thesystem according to claim 14, wherein the portable telephone terminalhas particular information, the particular information is sent from theportable telephone terminal, the service supply equipment is providedwith means for generating time information, there is provided timestoring means for storing the particular information sent and the timeinformation as an output from the time information generating means, andthe service supply equipment records the information into the timestoring means, thereby managing the service supply.
 16. An electronicmoney transaction system comprising:a first IC card in which electronicmoney information is stored; a transmitter and receiver that isconnected to the first IC card and transmits and receives the electronicmoney information via space; a second transmitter and receiver fortransmitting and receiving the electronic money information via thetransmitter and receiver; a terminal for controlling transfer of theelectronic money information sent via the second transmitter andreceiver; a connecting unit for passing the electronic money informationfrom the terminal; and a second IC card which can record the electronicmoney information passed through the connecting unit, wherein the firstIC card has a memory of electronic information indicative of the ICcard, the electronic information in the memory can be transferred to theterminal via the transmitter and receiver and the second transmitter andreceiver, the electronic information in the memory is a code whichcannot be easily formed ordinarily, the terminal has a decoding andpassing means for decoding the encoded electronic information of thefirst IC card passed through the transmitter and receiver andtransmitting the decoded electronic information of the first IC card tothe second IC card via the second transmitter and receiver, electronicinformation which is recorded in the second IC card to specify anotherIC card is compared with the electronic information sent from the firstIC card, and when the electronic information sent from the first IC cardand the electronic information recorded in the second IC card satisfiesa certain condition, the electronic money information is transferredfrom the second IC card to the first IC card.